Aditya Birla Sun Life Credit Risk Fund Direct-Growth
Debt: Credit Risk - Growth (Open ended) Factsheet
SEBI Riskometer: Moderately HighCategory: Debt: Credit RiskBenchmark: CRISIL Credit Risk Debt B-II Index
NAV: ₹27.8-0.22%
08 Jul 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Aditya Birla Sun Life Credit Risk Fund Direct-Growth.
Historical Asset Allocation
| Asset | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 | 28 Feb 2026 | 31 Jan 2026 |
|---|---|---|---|---|---|---|
| Equity | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Debt | 86.26% | 80.92% | 76.85% | 87.66% | 85.52% | 87.27% |
| Others (incl. cash) | 5.86% | 12.00% | 15.81% | 4.15% | 6.57% | 5.60% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 7.87% | 7.08% | 7.34% | 8.18% | 7.91% | 7.14% |
Portfolio Snapshot
No. of Securities
53
Top Holding %
5.86%
Top 5 Holdings %
24.24%
Top 10 Holdings %
39.96%
Modified Duration
1.87 yrs
Avg. Maturity
2.50 yrs
Yield to Maturity
8.40%
AUM
₹1,461 Cr
Expense Ratio
0.79%
Since Inception
9.53%
Max Drawdown
-0.04%
Sharpe Ratio
2.24
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| National Bank For Agriculture & Rural Development | Financial | 7,500 | 75.36 | 5.16% | 1.59%↑ |
| Jubilant Bevco Ltd. | Consumer Staples | 6,500 | 72.2 | 4.94% | 1.81%↑ |
| GOI | Sovereign | 65,00,000 | 63.34 | 4.33% | 2.98%↑ |
| JTPM Metal Traders Ltd. | Metals & Mining | 5,377 | 57.63 | 3.94% | 1.77%↑ |
| GMR Airports Ltd. | Construction | 5,200 | 54.6 | 3.74% | -0.15%↓ |
| Small Industries Devp. Bank of India Ltd. | Financial | 5,000 | 49.42 | 3.38% | - |
| Tata Capital Housing Finance Ltd. | Financial | 4,467 | 44.87 | 3.07% | - |
| GOI | Sovereign | 45,31,600 | 44.46 | 3.04% | -0.85%↓ |
| Hinduja Leyland Finance Ltd. | Financial | 3,500 | 35.01 | 2.40% | -0.07%↓ |
| National Bank For Agriculture & Rural Development | Financial | 3,500 | 34.62 | 2.37% | -0.08%↓ |
| Kogta Financial India Ltd. | Financial | 3,250 | 32.31 | 2.21% | -0.10%↓ |
| Gaursons India Pvt. Ltd. | Construction | 3,200 | 31.8 | 2.18% | -0.10%↓ |
| Vedanta Ltd. | Metals & Mining | 3,000 | 30.43 | 2.08% | -0.08%↓ |
| Vedanta Ltd. | Metals & Mining | 3,000 | 30.15 | 2.06% | -0.09%↓ |
| Narayana Hrudayalaya Ltd. | Healthcare | 3,000 | 30.11 | 2.06% | -0.08%↓ |
| Hero Housing Finance Ltd. | Financial | 3,000 | 30.03 | 2.06% | -0.09%↓ |
| JSW Energy Ltd. | Capital Goods | 3,000 | 30.03 | 2.05% | -0.08%↓ |
| SIS Ltd. | Services | 3,000 | 30 | 2.05% | -0.09%↓ |
| OXYZO Financial Services Ltd. | Financial | 3,000 | 29.76 | 2.04% | -0.09%↓ |
| Adani Power Ltd. | Energy | 2,925 | 29.26 | 2.00% | -0.08%↓ |
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Sector-wise Portfolio Allocation
Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.
| Sector | 31 Oct 2022 | 30 Sep 2022 | 31 Aug 2022 | 31 Jul 2022 |
|---|---|---|---|---|
| Financial | 1.28% | 1.28% | - | - |
| Construction | 0.46% | 0.46% | 0.43% | 0.42% |
Debt Holdings — Credit Quality Profile
Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
| Rating | Fund | Category |
|---|---|---|
| AA | 24.22% | 26.16% |
| AAA | 20.74% | 5.60% |
| A+ | 12.40% | 3.61% |
| SOV | 11.15% | 8.12% |
| AA+ | 8.85% | 4.29% |
| AA- | 6.49% | 3.63% |
| Cash & Call Money | 5.86% | 21.99% |
| A- | 2.18% | 0.33% |
| Others | 0.24% | 0.25% |
| A | - | 0.66% |
| A1+ | - | 1.42% |
| B+ | - | 4.35% |
| B- | - | 3.93% |
Debt Insights
A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.
SEBI PRC matrix
Credit risk
| Interest risk | |||
|---|---|---|---|
| Low | Moderate | High | |
| Low | |||
| Moderate | |||
| High | |||
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| National Bank For Agriculture & Rural Development | Bonds | 7.48% | 15/09/2028 | CRISIL AAA | 5.16% |
| Jubilant Bevco Ltd. | Debenture | 0.00% | 31/05/2028 | CRISIL AA | 4.94% |
| GOI | GOI Securities | 6.68% | 07/07/2040 | SOV | 4.33% |
| JTPM Metal Traders Ltd. | Debenture | 0.00% | 30/04/2030 | CRISIL AA | 3.94% |
| GMR Airports Ltd. | Bonds | 0.00% | 13/02/2027 | CRISIL A+ | 3.74% |
| Small Industries Devp. Bank of India Ltd. | Non Convertible Debenture | 6.66% | 25/10/2028 | CRISIL AAA | 3.38% |
| Tata Capital Housing Finance Ltd. | Non Convertible Debenture | 7.79% | 18/06/2030 | ICRA AAA | 3.07% |
| GOI | GOI Securities | 6.48% | 06/10/2035 | SOV | 3.04% |
| Hinduja Leyland Finance Ltd. | Debenture | 9.25% | 09/07/2031 | CRISIL AA+ | 2.40% |
| National Bank For Agriculture & Rural Development | Debenture | 6.66% | 12/10/2028 | ICRA AAA | 2.37% |
| Kogta Financial India Ltd. | Debenture | 9.50% | 30/10/2027 | CARE A+ | 2.21% |
| Gaursons India Pvt. Ltd. | Non Convertible Debenture | 10.96% | 26/12/2028 | ICRA A- | 2.18% |
| Vedanta Ltd. | Debenture | 9.45% | 05/06/2028 | CRISIL AA | 2.08% |
| Hero Housing Finance Ltd. | Debenture | 8.32% | 30/08/2027 | ICRA AA+ | 2.06% |
| Narayana Hrudayalaya Ltd. | Debenture | 8.40% | 15/02/2030 | ICRA AA | 2.06% |
| Vedanta Ltd. | Debenture | 9.40% | 20/02/2027 | ICRA AA+ | 2.06% |
| SIS Ltd. | Debenture | 8.50% | 26/03/2028 | CRISIL AA- | 2.05% |
| JSW Energy Ltd. | Debenture | 8.75% | 20/03/2028 | ICRA AA | 2.05% |
| OXYZO Financial Services Ltd. | Debenture | 9.90% | 13/03/2029 | ICRA A+ | 2.04% |
| Adani Power Ltd. | Debenture | 0.00% | 27/01/2028 | CRISIL AA | 2.00% |
| Hinduja Housing FInance Ltd. | Non Convertible Debenture | 8.85% | 01/02/2027 | CARE AA+ | 1.99% |
| IKF Finance Ltd. | Debenture | 9.40% | 12/09/2027 | CARE A+ | 1.99% |
| Ess Kay Fincorp Ltd. | Non Convertible Debenture | 9.25% | 09/05/2027 | ICRA AA- | 1.85% |
| Telangana State | State Development Loan | 7.95% | 20/07/2035 | SOV | 1.77% |
| Andhra Pradesh State | State Development Loan | 7.82% | 04/10/2035 | SOV | 1.75% |
| Power Finance Corporation Ltd. | Non Convertible Debenture | 7.74% | 29/01/2028 | ICRA AAA | 1.72% |
| National Bank For Agriculture & Rural Development | Debenture | 7.27% | 23/02/2029 | ICRA AAA | 1.71% |
| Bajaj Housing Finance Ltd. | Non Convertible Debenture | 7.02% | 26/05/2028 | CRISIL AAA | 1.70% |
| Nuvama Wealth Finance Ltd. | Debenture | 9.75% | 16/04/2027 | CARE AA | 1.52% |
| IKF Finance Ltd. | Debenture | 0.00% | 28/04/2028 | CARE A+ | 1.48% |
| Avanse Financial Services Ltd. | Debenture | 9.60% | 30/04/2027 | CRISIL AA- | 1.37% |
| JSW Energy Ltd. | Non Convertible Debenture | 8.05% | 10/11/2028 | ICRA AA | 1.35% |
| Adani Airport Holdings Ltd. | Debenture | 9.35% | 08/09/2028 | CRISIL AA- | 1.22% |
| Tata Projects Ltd. | Debenture | 8.35% | 22/07/2027 | IND AA | 1.03% |
| GMR Airports Ltd. | Bonds | 0.00% | 13/08/2028 | CRISIL A+ | 0.95% |
| Eris Lifesciences Ltd. | Debenture | 8.73% | 07/12/2026 | IND AA | 0.93% |
| Eris Lifesciences Ltd. | Debenture | 8.73% | 07/06/2027 | IND AA | 0.93% |
| National Bank For Financing Infrastructure And Development | Bonds | 7.15% | 28/03/2035 | ICRA AAA | 0.87% |
| Vedanta Ltd. | Debenture | 8.95% | 16/03/2029 | ICRA AA | 0.69% |
| Adani Power Ltd. | Debenture | 8.20% | 25/01/2029 | CRISIL AA | 0.69% |
| Power Finance Corporation Ltd. | Debenture | 6.59% | 15/10/2030 | ICRA AAA | 0.67% |
| Cholamandalam Investment and Finance Company Ltd. | Non Convertible Debenture | 8.66% | 23/02/2033 | ICRA AA+ | 0.34% |
| Tamilnadu State | State Development Loan | 7.46% | 18/03/2035 | SOV | 0.16% |
| Rajasthan State | State Development Loan | 7.49% | 18/03/2036 | SOV | 0.10% |
| Power Finance Corporation Ltd. | Debenture | 8.67% | 18/11/2028 | CRISIL AAA | 0.08% |
Frequently Asked Questions
What are the top holdings of Aditya Birla Sun Life Credit Risk Fund Direct-Growth?
The top holdings of Aditya Birla Sun Life Credit Risk Fund Direct-Growth sorted by portfolio weight are listed in the Top Portfolio Holdings section of the Holdings tab.
How many stocks does Aditya Birla Sun Life Credit Risk Fund Direct-Growth hold in its portfolio?
Aditya Birla Sun Life Credit Risk Fund Direct-Growth holds 53 securities in its portfolio. The top 5 holdings account for 24.24% of the portfolio and the top 10 for 39.96%.
What is the sector allocation of Aditya Birla Sun Life Credit Risk Fund Direct-Growth?
The sector allocation of Aditya Birla Sun Life Credit Risk Fund Direct-Growth is in the Sector Allocation section, showing each industry's weight in the portfolio.
What is the equity and debt allocation of Aditya Birla Sun Life Credit Risk Fund Direct-Growth?
As of 30 Jun 2026, Aditya Birla Sun Life Credit Risk Fund Direct-Growth has 0.00% in equity, 86.26% in debt and 5.86% in cash/others. This asset mix determines the fund's overall risk-return profile. The debt portfolio has a yield to maturity (YTM) of 8.40%.
What is the market cap allocation of Aditya Birla Sun Life Credit Risk Fund Direct-Growth?
The market cap distribution of Aditya Birla Sun Life Credit Risk Fund Direct-Growth — Large, Mid and Small Cap — is shown as a chart in the Holdings Analysis section.
Is Aditya Birla Sun Life Credit Risk Fund Direct-Growth a concentrated or diversified fund?
Aditya Birla Sun Life Credit Risk Fund Direct-Growth holds 53 securities, with the top 10 accounting for 39.96% of the portfolio and the top 5 for 24.24%. This is a moderately diversified fund balancing conviction positions with risk spread.
What is the credit quality of Aditya Birla Sun Life Credit Risk Fund Direct-Growth?
The debt holdings of Aditya Birla Sun Life Credit Risk Fund Direct-Growth are rated as follows — AA: 24.22%, AAA: 20.74%, A+: 12.40%, SOV: 11.15%, and others. Higher allocation to AAA and sovereign instruments means lower credit risk. The full rating profile compared to the category average is in the Credit Rating section.
How often does Aditya Birla Sun Life Credit Risk Fund Direct-Growth change its portfolio?
The portfolio currently holds 53 securities with the top 10 accounting for 39.96% as of 30 Jun 2026. Portfolio turnover reflects how actively the fund manager trades. A high turnover increases transaction costs while a low turnover reflects a buy-and-hold approach. Historical asset allocation snapshots across multiple dates are in the Holdings Analysis section.
What is the PE ratio of Aditya Birla Sun Life Credit Risk Fund Direct-Growth's portfolio?
The portfolio-level PE, PB and debt metrics of Aditya Birla Sun Life Credit Risk Fund Direct-Growth are in the Holdings Analysis section. These help assess whether the portfolio is invested in relatively cheap or expensive securities.
When is the latest portfolio disclosure for Aditya Birla Sun Life Credit Risk Fund Direct-Growth?
The latest portfolio disclosure for Aditya Birla Sun Life Credit Risk Fund Direct-Growth is as of 30 Jun 2026. Mutual funds and ETFs in India are required to disclose their full portfolio monthly, within 10 business days of month-end. You can switch between historical disclosure dates using the date selector in the Top Portfolio Holdings section.